How to apply for a business loan from Spotcap

It takes as little as five minutes to complete your application. It’s backed by our innovative technology and expert underwriters that analyse the financial condition of your business, based on the key business information you upload.

How To Apply


Personal Information

Tell us about yourself and
your business

Personal Information

Your name
Date of birth
Contact information

Business Information

Your business name
Company ABN

Finance Needs

Tell us about your current needs.
How much would you like to borrow?


Required Documents

Share files manually or connect your accounting
software for automatic upload

Business Activity Statement

Your BAS returns for the last four quarters

Financial Statements

Your Balance Sheet and Profit & Loss Statements for the last two years.

If these are still being drafted please send us your annual accounts for the previous year. If your company is managed by a holding company, please provide us with the company’s most recent financial statements.

For applications less than $150k, we don’t require your business financials.


Bank Account Information

Provide your business
bank account details

Connect your Business Bank Account

We need to confirm your bank account details and see your bank statements. The best way to do this is to give us one-time, read-only access to your historical business transactions.

Security & Privacy

We take security and privacy of your data very seriously. All information you submit to us is encrypted using the strongest security systems commercially available.

When will I know if I have been approved?

You can expect a decision within 24 hours of completing your application. During this time, the data you supplied is analysed by our unique credit assessment algorithm and reviewed by our expert underwriters

If you need help with our application process, please get in touch and one of our team will guide you through the steps.

Frequently asked questions

Learn more about how Spotcap works